They are free to offer it, that’s what they do...
BANKS make money on the spread... to make that money they have to loan it out.
If you have decent credit history and income, why would it be considered “evil” to offer you a loan?
If the bank knows you have zero ability to repay such a loan, and puts you in a loan they know you cannot afford, then yes, that would be immoral, and believe me I am not here to defend banks moraliy... .However letting you know they can offer you a loan that you could afforde is not an immoral act.
I don’t like usury generally or the banking “system”